Discover it® Credit Card
Consumer Reviews, Fees, Credit Score, Application & Best Alternatives
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The Discover It credit card is packed with benefits that can be used all year long. There is no annual fee and a low APR. With 1% cash back on all purchases and 5% cash back on purchases within various categories that change, cardholders have an easy and affordable way to spend.
11.99% - 22.99% (Variable)*
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- 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 11.99% - 22.99%. A 3% fee applies to each transferred balance.
- 5% cash back for online shopping and department store purchases on up to $1,500. 1% cash back on all other purchases.
- Free FICO® Credit Score online and on monthly statements*.
- No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
- 100% U.S.- based customer service - anytime, day and night.
- Read the Review of Discover it credit card
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
All purchases are rewarded with the Discover It card. Cardholders get to enjoy at least 1% cash back with all purchases. Quarterly, categories change where 5% cash back can be earned. There are also participating retailers that provide a certain percentage in cash back rewards as well. You will get 2% with Cashback Match - unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
5% Cash Back Categories (up to $1,500 in purchases annually)
- January - March: Grocery Stores, Walgreens and CVS
- April - June: Gas Stations, Uber, Lyft, and Wholesale Clubs
- July - September: Restaurants and PayPal
- October - December: Amazon.com, Walmart.com & Target.com
Beyond the ability to earn cash back each time the card is used, there are other perks as well.
Other Discover Card Features
Cardholders get to enjoy a low APR, no annual fee, a low balance transfer rate as well as no foreign transaction fees. The card can be used online and with merchants all over the globe - over 8 million in total. When the bill comes each month, cardholders have up to midnight on the due date to make a payment - and it can be made over the phone or in person. It's also possible to control the due date so that it's more convenient for the cardholder to pay the bill along with the other bills that come in during the month.
If a late payment is ever received, it won't affect the APR, unlike other cards that are out there. In terms of managing the account, there are also tools that can be used. There is a mobile app for smartphones. There is also online account access. These tools can be used to determine balance, credit line availability, and more. With an online application, it's simple to apply. Within minutes, a determination of credit is provided and a card will be sent out if approved.
Read the Review of Discover it Card.
- No penalty fees
- Long term intro rates
- No annual fee
- No Intl. transaction fees
- Free rewards program
- No bonus rewards for new cardholders
|Review:||Full Card Review|
Rates & Fees
|Introductory APR (%):||0%*|
|Intro Period:||14 months*|
|Regular APR:||11.99% - 22.99%|
|Regular APR Type:||Variable*|
|APR on Cash Advances:||24.99%*|
|Grace Period:||25 days*|
|Late Payment Fee:||Up to $40*|
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Discover it® Credit Card
11.99% -22.99% (Variable)*
Min. Credit Level
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Discover it® Credit Card